Banky team Reviewed editorial answerمعايا مبلغ ومش عارف أعمل بيه شهادة ولا وديعة ولا حساب توفير.
The answer depends on what you want from the money, because each goal leads to a different type of product and changes what you need to decide. If you want the highest possible return, you must set the term you can do without the money and the payout frequency, because the rate is set by amount, term and payout together. If you want a regular income, certificates and deposits offer payout frequencies such as monthly, quarterly or yearly, and the money is locked for the term. If you want the money to stay within reach, a savings account lets you withdraw at any time, and its return may be lower. If you want a figure known in advance, a fixed return is contractual for the whole term, while a variable one moves with a reference rate. You may have more than one goal, in which case you might consider splitting the amount. Decide what matters most first, then compare products at the same amount, term and payout, and read each product's key-facts statement before deciding.